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Housing Finance but lets focus on Punjab National Bank now it is in Focus the lender has reported its best net interest income growth in 10 quarters even as slippages remained elevated note that employee costs weighed on profitability in Quarter Two to discuss the quarter gone by we are joined by Atul Kumar guel whos the mdn CEO of the bank Mr girl good afternoon thanks a lot for joining us well your Nia growth is the best in 10 quarters profits however impacted by some elevated employee caused this time around but I wanted to check on credit costs first because they are elevated at 236 basis points versus 250 two basis points on a quarter on quarter basis what is the outlook on the same thank you very much regarding the credit cos Madam it is not increased if you see the contact you are talking about the quarter to quarter it was 2.46 the total provision for the June 2022 quarter it was 4814 crore which has reduced to 3559 so it has reduced 1.76 as compared to the quarter to quarte